Mo Money

Ben Nash
  • 5.0 (2)
  • Investing
  • Updated Biweekly

Mo Money is your go-to podcast for practical, no-BS strategies to help you save more, invest smarter and build real wealth so you can stop relying on your salary and start building financial freedom. Hosted by Ben Nash, award-winning financial adviser, best-selling author and founder of Pivot Wealth, this show cuts through the noise to give you clear, actionable insights on money, investing, property, shares and financial planning and challenge the conventional advice that keeps most people stuck. Drawing on experience helping thousands of Australians build wealth, each episode breaks down what actually works when it comes to: - Growing your wealth through smart investing - Managing your money with confidence - Avoiding common financial mistakes - Building passive income and long-term financial security - Making better decisions with your money faster Designed for professionals, business owners and anyone serious about getting ahead financially, whether you're starting out, scaling up or looking to replace your income through investing, Mo Money gives you the tools, frameworks and strategies to take control of your financial future. Follow the podcast to stay ahead with smarter money decisions each week.

  1. 4d ago

    #519 70,000 Australian Kids Are Already Investing w. Craig Keary

    There are more than 70,000 kids' investment accounts sitting on one Australian platform, and it's the fastest growing part of the business. Craig Keary is the new CEO of Raiz, and before that he spent thirty years across HSBC, CBA, Westpac and AMP Capital, plus a stint running Selfwealth. Craig shares what he's seeing across 350,000 active accounts, including what people actually did with their money through the tariff volatility and the Middle East tensions, and whether the budget changed anyone's behaviour at all. We also get into why younger Australians have almost no home country bias, and the habit Craig reckons costs investors more than fees ever will.   WHAT YOU'LL GET OUT OF IT What 350,000 accounts show about how people behave when markets get ugly Why kids' accounts are growing faster than anything else, and what parents are getting right Whether the budget's property tax changes have shifted anyone's investment strategy The generational split between global investors and franking credit hunters Why dollar cost averaging beats trying to pick your moment What investing looked like thirty years ago at 2.5% commissions Whether today's tech giants are just the railways of a century ago The ego problem that quietly wrecks good portfolios   CHAPTERS 00:16  Intro 00:56  What's changed in markets and the world 02:27  Time in the market beats timing it 03:09  What 350,000 accounts actually show 03:44  Why kids' accounts are the fastest growing thing 05:40  Has the budget changed anyone's behaviour 08:12  Gen Z go global, boomers want franking credits 09:30  Why visible progress keeps people invested 10:30  The headlines versus your actual balance 11:48  AI, tech and whether this time is structural 14:19  US stocks coming to the platform 15:19  What investors should get right from here 17:30  Don't chase the trend 19:00  Emergency funds and why they protect the strategy 19:40  Dollar cost averaging and round-ups 21:00  How Craig built his money knowledge over 30 years 22:30  Don't let your ego wreck your investing 23:11  Travel, Waymo and an expensive lesson 23:51  What diversification actually means CRAIG KEARY, RAIZ INVEST Craig on LinkedIn: https://www.linkedin.com/in/craigkeary/   Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. FREE 7-DAY MONEY CHALLENGES Pick one and see what changes in a week: https://pivotwealth.com.au/challenges/ WORK WITH US Book a no-strings call: https://www.pivotwealth.com.au/booking More about Pivot Wealth: https://www.pivotwealth.com.au BEN'S BOOKS Virgin Millionaire: https://amzn.to/3VFPPDM Replace Your Salary by Investing: https://amzn.to/3J9Ta8g Get Unstuck: https://amzn.to/3xo0MQG All books: https://www.pivotwealth.com.au/books FOLLOW Instagram: https://www.instagram.com/pivotben TikTok: https://www.tiktok.com/@bentalksmoney YouTube: https://www.youtube.com/c/BenNashPivot Facebook: https://www.facebook.com/pivotwealth/ DISCLAIMER This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

  2. Sep 3

    #518 25 Jobs, One Breakdown, 100,000 Followers w. Matt Lakajev

    Matt Lakajev dropped out of school, got kicked out of home more than once, and worked 25 different jobs before having a breakdown at 27 that sent him back to his parents' place. He then googled how to make the most money without a degree, found sales, and built an audience of more than 100,000 people on the platform everyone claims to hate. This one's for anyone in a senior role who knows their network matters but has never posted a thing. Matt gets specific on why LinkedIn still converts better than anywhere else, what AI screening is quietly doing to your job applications, and why hitting post for the first time takes most people about three years.   WHAT YOU'LL GET OUT OF IT Why LinkedIn works despite being, in Matt's words, a Windows 95 sitting next to a MacBook The one thing you can't fake on LinkedIn that you can fake everywhere else What AI resume screening means for how you actually find your next role Trust leverage, and why companies hire the safe 80% performer over the superstar How to handle tall poppy syndrome and the feeling that posting is just showing off Word for word, what your first post should say The kind of knowledge AI can never replicate, and why it's the only thing worth posting The three mistakes that make experienced people look like beginners online   CHAPTERS 01:20  Intro 01:42  The 27 years Matt calls his loser era 02:38  Why LinkedIn, of all places 04:30  What actually drove the growth 06:48  The one platform where people can't lie 09:30  Why some people post and most never will 11:22  The opportunity for senior professionals 12:30  AI is screening you out before a human sees you 13:30  Trust leverage and Dunbar's number 14:30  Why hiring is really about de-risking 16:09  Where to start if you've never posted 17:30  Messages people actually reply to 18:56  Open curiosity loops 19:30  Tall poppy syndrome 21:21  Two rules for posting 21:55  Exactly what your first post should say 23:50  Is posting just showing off 26:43  What to post, and the formats that work 28:30  The knowledge AI can't copy 31:43  Post length and image size 32:26  Three mistakes to avoid   MATT LAKAJEV, SEVEN FIGURE CREATORS Free LinkedIn Profile Kit, 24 custom Figma templates: https://sevenfigurecreators.com/lm/a-free-kit-to-design-your-linkedin-profile/ Matt on LinkedIn: https://www.linkedin.com/in/mattlakajev/ Matt on YouTube: https://www.youtube.com/@matthewlakajev Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. FREE 7-DAY MONEY CHALLENGES Pick one and see what changes in a week: https://pivotwealth.com.au/challenges/ WORK WITH US Book a no-strings call: https://www.pivotwealth.com.au/booking More about Pivot Wealth: https://www.pivotwealth.com.au BEN'S BOOKS Virgin Millionaire: https://amzn.to/3VFPPDM Replace Your Salary by Investing: https://amzn.to/3J9Ta8g Get Unstuck: https://amzn.to/3xo0MQG All books: https://www.pivotwealth.com.au/books FOLLOW Instagram: https://www.instagram.com/pivotben TikTok: https://www.tiktok.com/@bentalksmoney YouTube: https://www.youtube.com/c/BenNashPivot Facebook: https://www.facebook.com/pivotwealth/ DISCLAIMER This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

  3. Aug 27

    #517 I Was About to Buy a $130,000 Car [Money Diaries w. Nada and Adrian]

    Nada and Adrian came to Pivot with one property and a plan to buy another. Adrian also had a list of his own: refinance the house, buy the second property, buy a $130,000 car, then take a holiday. His words for how that would have gone are not repeatable in a description. Three months in, the plan looks nothing like that. Two weeks after their strategy session the federal budget landed and changed the maths on the second property entirely, so they went back to the drawing board and ended up somewhere they'd never seriously considered. This is an honest look at what the first few months of getting advice actually feels like, including the admin, the arguments about a $2,000 suit, and the moment it clicked.   WHAT YOU'LL GET OUT OF IT What their plan was before they got advice, and what it would have cost them How the budget forced a full rethink two weeks after the strategy was set Choosing shares over a second property, and how they got comfortable with it Aligning as a couple when one of you wants to travel and the other wants a car The money myths they both believed, including that earning more means keeping more Planning around starting a family and the income dip nobody accounts for What surprised them most about the process What they'd tell someone who thinks they don't have enough money for advice   CHAPTERS 00:13  Rapid fire round 17:59  Intro 20:34  What was on their mind before they got advice 24:38  The turning point 27:02  What staying stuck would have cost them 28:08  What surprised them about the process 31:19  The moment it clicked 33:17  How they talk about money now 36:02  The frustration that's gone 36:49  What they're working towards 38:34  Why the budget made them choose shares over property 40:11  What Reece said that stuck 41:08  Advice for anyone on the fence 43:10  What if you think you can't afford advice 45:45  Advice to their 21 year old selves Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. FREE 7-DAY MONEY CHALLENGES Pick one and see what changes in a week: https://pivotwealth.com.au/challenges/ WORK WITH US Book a no-strings call: https://www.pivotwealth.com.au/booking More about Pivot Wealth: https://www.pivotwealth.com.au BEN'S BOOKS Virgin Millionaire: https://amzn.to/3VFPPDM Replace Your Salary by Investing: https://amzn.to/3J9Ta8g Get Unstuck: https://amzn.to/3xo0MQG All books: https://www.pivotwealth.com.au/books FOLLOW Instagram: https://www.instagram.com/pivotben TikTok: https://www.tiktok.com/@bentalksmoney YouTube: https://www.youtube.com/c/BenNashPivot Facebook: https://www.facebook.com/pivotwealth/ DISCLAIMER This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

  4. Aug 20

    #516 The $50,000 Fee Hiding in Your Portfolio w. Shani Jayamanne

    Same money, same returns, same twenty years. One fund charges 0.2%, the other charges 1%. The difference is more than fifty thousand dollars, and Shani Jayamanne ran the numbers before she walked into the studio. Shani is an Investment Specialist at Morningstar, co-host of Investing Compass and co-author of Invest Your Way. Morningstar runs a study twice a year comparing what funds return against what the investors in those funds actually get, and the funds win by 1.2% a year. Shani explains where that gap comes from, why Australians are among the best in the world at closing it, and what that has to do with the fact that someone else decides when your super goes into the market. WHAT YOU'LL GET OUT OF IT The gap between investment returns and investor returns, and exactly what's causing it Why losses hurt more than twice as much as gains, and the two mistakes that come from it What a 1% fee really costs you over twenty years Why more investment options make people less likely to invest at all What happens to your returns if you miss the ten best days in the market Lump sum versus dollar cost averaging, and where Ben disagrees with the research Why the most sophisticated investors tend to have the simplest portfolios The investment specialist who doesn't pick stocks, and why CHAPTERS 00:21  Intro 00:44  The biggest mistake Australian investors make 01:30  Mind the Gap: your fund beat you by 1.2% 02:30  Why compulsory super makes Australians better investors 04:00  Loss aversion, and why losses hurt 2.25 times more 06:11  Do men and women invest differently 06:30  Complexity is not sophistication 08:00  Boring is profitable 10:30  The chart a colleague left on her desk 12:00  Why more choice means less action 15:22  Thematic ETFs and the AI question 19:43  Growing up with cash and property and no shares 22:00  Fifty dollars a week on a $56,000 salary 24:16  What changed in how she invests 26:30  What a 1% fee really costs 27:55  Where markets are and what's already priced in 29:27  Lump sum or drip feed, and Ben pushes back 33:24  Advice to her 21 year old self SHANI JAYAMANNE, MORNINGSTAR Investing Compass on Apple: https://podcasts.apple.com/au/podcast/investing-compass/id1533956604 Investing Compass on Spotify: https://open.spotify.com/show/70E7mbBaJOFuVQOGhxWsK3 Invest Your Way: https://amzn.to/46qMXAu Morningstar Australia: https://www.morningstar.com.au   Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. FREE 7-DAY MONEY CHALLENGES Pick one and see what changes in a week: https://pivotwealth.com.au/challenges/ WORK WITH US Book a no-strings call: https://www.pivotwealth.com.au/booking More about Pivot Wealth: https://www.pivotwealth.com.au BEN'S BOOKS Virgin Millionaire: https://amzn.to/3VFPPDM Replace Your Salary by Investing: https://amzn.to/3J9Ta8g Get Unstuck: https://amzn.to/3xo0MQG All books: https://www.pivotwealth.com.au/books FOLLOW Instagram: https://www.instagram.com/pivotben TikTok: https://www.tiktok.com/@bentalksmoney YouTube: https://www.youtube.com/c/BenNashPivot Facebook: https://www.facebook.com/pivotwealth/ DISCLAIMER This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

  5. Aug 13

    #515 The Property Markets That Aren't Falling w. Louis Christopher

    Everyone's calling it a crash. Louis Christopher runs SQM Research, one of Australia's biggest property data houses, and he says that word is wrong. What we're in is the largest downturn in 10 to 15 years, but the one ingredient every genuine housing crash has ever needed is missing here. Louis breaks down where the market actually is, which cities are falling hardest, and which pockets are barely moving at all. We get into what the budget's tax changes are really doing to investor behaviour, why rents have stalled when everyone expected them to spike, and what he'd buy if he were putting money in today.   WHAT YOU'LL GET OUT OF IT The difference between a correction and a crash, and why a 10% property fall hurts more than a 10% sharemarket fall Why Australia isn't set up for a US or Ireland style collapse The city by city forecasts for the rest of the year What happened to rents after the negative gearing changes, and why the answer is more concerning than it looks Which markets are holding up, and the ones carrying the most risk right now How long this downturn runs, and what the long term growth rate looks like from here Whether the 6.8% long term average still holds   CHAPTERS 00:00  Intro 00:25  Where the property market actually is right now 02:24  Crash or correction, and why the difference matters 03:15  Why a 10% property fall hurts more than a 10% sharemarket fall 04:00  How APRA and the RBA really behave in a downturn 05:00  How long downturns last, and why this one is structural 06:30  What the budget tax changes did to the investor maths 08:45  The flow-on to the economy and state budgets 11:25  Rents went up $2 a week, and why that is the worrying part 13:00  Which suburbs are most exposed 16:18  Semi-rural and lifestyle property, and the risk nobody prices 18:09  Airbnb income and the wealth effect 19:00  The city by city forecasts 21:08  Adelaide and Perth 26:02  What actually drives values over the long term 28:37  How people are coping with record rents 30:17  Population growth and the 6.8% question 34:52  Where Louis put his own money Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. FREE 7-DAY MONEY CHALLENGES Pick one and see what changes in a week: https://pivotwealth.com.au/challenges/ WORK WITH US Book a no-strings call: https://www.pivotwealth.com.au/booking More about Pivot Wealth: https://www.pivotwealth.com.au BEN'S BOOKS Virgin Millionaire: https://amzn.to/3VFPPDM Replace Your Salary by Investing: https://amzn.to/3J9Ta8g Get Unstuck: https://amzn.to/3xo0MQG All books: https://www.pivotwealth.com.au/books FOLLOW Instagram: https://www.instagram.com/pivotben TikTok: https://www.tiktok.com/@bentalksmoney YouTube: https://www.youtube.com/c/BenNashPivot Facebook: https://www.facebook.com/pivotwealth/ DISCLAIMER This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

  6. Aug 6

    #514 How Amanda started building passive income [Money Diaries]

    This episode of the Mo Money Podcast is a money diary session with a client of ours, Amanda. Amanda talks about her money journey and how she's done reverse rent vesting, essentially sold her home so that she could rent and invest at the same time, and how she's used that strategy to acquire multiple investment properties and build a share portfolio and start making passive income and a transition away from corporate achievable in less than five years.  We get into a bit of the mindset or the things that were happening in Amanda's world at the time that she first jumped into the planning process, some of the sticking points along the way, and what she's most excited about coming up. This episode is perfect for anyone that wants to understand the different pathways that you can use to get ahead with your money smarter.   Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links:  Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking  Upcoming events: www.eventbrite.com.au/o/ben-nash-pivot-wealth-34379655697  Ben's books: www.pivotwealth.com.au/books  More about Pivot Wealth: www.pivotwealth.com.au Follow us on socials: Instagram: https://www.instagram.com/pivotben TikTok: https://www.tiktok.com/@bentalksmoney  YouTube: https://www.youtube.com/c/BenNashPivot  Facebook: https://www.facebook.com/pivotwealth/  Book a chat: calendly.com/pivot-new-clients/intro-chat-w-pivot-wealth     Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

  7. Jul 30

    #513 How Nikki bought her dream home without sacrificing her future [Money Diaries]

    In this episode of the Mo Money Podcast, we have a Money Diary session with Nikki, where she unpacks some of the big shifts that she's made with her money over the last little bit, what it was like making some really big decisions about an employer share plan for a company that had just listed on the stock exchange, how she made decisions around creating or replacing her work salary with investment income, streamlining properties, saving a bunch of tax through investing and investing structures, and some of the mindset imposter syndrome stuff that was sort of getting in her way when she first started with her planning.  This episode is perfect for anyone that that wants to understand the different pathways that can take you from where you are to where you want to be with your money.   Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links:  Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking  Upcoming events: www.eventbrite.com.au/o/ben-nash-pivot-wealth-34379655697  Ben's books: www.pivotwealth.com.au/books  More about Pivot Wealth: www.pivotwealth.com.au Follow us on socials: Instagram: https://www.instagram.com/pivotben TikTok: https://www.tiktok.com/@bentalksmoney  YouTube: https://www.youtube.com/c/BenNashPivot  Facebook: https://www.facebook.com/pivotwealth/  Book a chat: calendly.com/pivot-new-clients/intro-chat-w-pivot-wealth     Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

  8. Jul 23

    #512 Smart debt recycling post-budget

    In this episode of the Mo Money Podcast, we chat about debt recycling post the budget, what it is as a bit of a refresher, but importantly, how the budget changes or lack of changes around share investing and negative gearing for shares has made debt recycling one of the last real bastions, I suppose, of tax deductions for really any investors moving forward. So, we get into some of the mechanics, we talk about the budget rule changes and how that impacts or doesn't impact debt recycling, as well as how you can set this up, the key things that you need to make sure that you're getting right, particularly if you're investing through debt recycling in the post-budget world.  This episode is perfect for anyone that owns their own home or is planning to and has some debt against it. That likes getting tax deductions and that wants to replace their work salary with investment income.   Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links:  Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking  Upcoming events: www.eventbrite.com.au/o/ben-nash-pivot-wealth-34379655697  Ben's books: www.pivotwealth.com.au/books  More about Pivot Wealth: www.pivotwealth.com.au Follow us on socials: Instagram: https://www.instagram.com/pivotben TikTok: https://www.tiktok.com/@bentalksmoney  YouTube: https://www.youtube.com/c/BenNashPivot  Facebook: https://www.facebook.com/pivotwealth/  Book a chat: calendly.com/pivot-new-clients/intro-chat-w-pivot-wealth     Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

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About

Mo Money is your go-to podcast for practical, no-BS strategies to help you save more, invest smarter and build real wealth so you can stop relying on your salary and start building financial freedom. Hosted by Ben Nash, award-winning financial adviser, best-selling author and founder of Pivot Wealth, this show cuts through the noise to give you clear, actionable insights on money, investing, property, shares and financial planning and challenge the conventional advice that keeps most people stuck. Drawing on experience helping thousands of Australians build wealth, each episode breaks down what actually works when it comes to: - Growing your wealth through smart investing - Managing your money with confidence - Avoiding common financial mistakes - Building passive income and long-term financial security - Making better decisions with your money faster Designed for professionals, business owners and anyone serious about getting ahead financially, whether you're starting out, scaling up or looking to replace your income through investing, Mo Money gives you the tools, frameworks and strategies to take control of your financial future. Follow the podcast to stay ahead with smarter money decisions each week.

Information

  • Creator
    Ben Nash
  • Years Active
    2020 - 2026
  • Episodes
    519
  • Rating
    Explicit
  • Show Website
    Mo Money

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